Financial trade groups are backing bipartisan legislation introduced in the House that would modify the definition of points and fees in the Dodd-Frank Act ability-to-repay and qualified mort-gage provisions. Introduced by Rep. Bill Huizenga, R-MI, and backed by seven bipartisan cosponsors, H.R. 1077, the Consumer Mortgage Choice Act, would amend the DFAs points-and-fees definition to avoid shutting out low and moderate-income borrowers from the QM market.